GXBank is celebrating its second anniversary with a special interest campaign that offers customers the chance to earn up to 4.00% p.a. through its Bonus Pocket feature. This limited-time promotion applies to savings placed in Bonus Pockets of up to RM50,000 and combines daily base interest with an additional bonus interest credited at the end of the three-month tenure.

The campaign marks an important milestone for Malaysia’s first digital bank and aims to reward customers who have been growing their savings with the platform.

How The 4.00% p.a. Bonus Pocket Works

The campaign offers a total rate of up to 4.00% p.a., which is made up of two components. Customers continue earning the standard 2.00% p.a. base interest that GXBank credits daily. At the end of the three-month period, an additional 2.00% p.a. bonus interest is credited, bringing the combined rate to 4.00% p.a.

The promotion applies only to funds kept in a Bonus Pocket throughout the three-month tenure. Customers can create multiple Bonus Pockets, but the promotional rate applies only to savings of up to RM50,000.

What Customers Can Earn Over Three Months

The campaign is supported with sample calculations that outline the potential returns at the 4.00% p.a. rate for different savings amounts. Based on a RM10,000 balance kept for the full tenure, the accumulated base interest over three months is RM49.50, while the accumulated bonus interest is also RM49.50. This results in RM99.00 in total interest at the end of the period.

For customers who save RM50,000 in a Bonus Pocket under the same rate and tenure, the total accumulated interest comes to RM494.28 once the three-month period ends.

These examples help customers estimate their potential returns before committing funds to a Bonus Pocket.

A Campaign Designed To Support Better Savings Habits

GXBank’s Bonus Pocket feature is built to encourage structured saving. By offering daily base interest and a separate bonus interest credited upon completion of the tenure, the bank encourages customers to maintain consistent savings behaviour. The anniversary campaign enhances this further by lifting the total effective rate for the promotional period.

The clear separation between base and bonus interest also allows customers to understand exactly how their returns are calculated.

When The Campaign Begins

The bank has started a countdown to the launch of the anniversary rate, with the promotional Bonus Pocket becoming available within the next few days. Customers who wish to take advantage of the higher earnings can prepare by ensuring they have available balances ready to move into a Bonus Pocket once the campaign begins.

GXBank also states that terms and conditions apply, and savings are protected by PIDM for up to RM250,000 per depositor.

What This Means For Malaysian Savers

Interest rates in Malaysia have remained steady in recent months, and digital banks are becoming an increasingly popular option for savers who value flexible products, transparent features, and daily interest crediting. GXBank’s anniversary offer provides an opportunity for customers to earn a higher return on short-term savings without committing to a long fixed deposit period.

For those planning short-term financial goals, such as travel, home projects, or emergency savings, the Bonus Pocket campaign offers a straightforward way to maximise returns over three months.

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